The term “annuity” in literature has often been used as a symbol of financial stability, inheritance, and economic status, while also serving as a catalyst for plot developments and character revelations. In works by Dickens, annuities appear as instruments of security or luxury—whether it is a modest trust fund [1, 2, 3, 4, 5] or a means to secure a new life in France [6, 7]—reflecting the social nuances of money management in his era. Similarly, Dumas employs annuities in The Count of Monte Cristo not only to preserve wealth through reserved family papers or to settle generous life-long incomes [8, 9, 10, 11, 12, 13] but also to underline strategic financial maneuvers. Authors like Thackeray [14, 15, 16, 17], Ibsen [18, 19, 20], and others such as George Eliot [21] and Anne Brontë [22] use annuities to explore themes of independence, misfortune, or the burdens of legacy. Even in non-fiction and historical accounts [23, 24, 25, 26], the annuity serves as a reflection of practical financial arrangements that resonate through time, making it a versatile metaphor for both personal security and broader societal values.